| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MAKA - WILLIAMS INS AGENCY INC3 Filed as: LISA MAKA- WILLIAMS INS AGENCY INC | PO BOX 1507 SIOUX FALLS, SD 57101 | AVERA HEALTH PLANS, INC | $19K | — | $19K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CHRISTY WESTERMAN -MARSH & MCLENNAN | 300 N CHERAPA PL SUITE #601 SIOUX FALLS, SD 57103 | AVERA HEALTH PLANS, INC | $5K | — | $5K | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S OLD VILLAGE PL 200 SIOUX FALLS, SD 57101 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC Filed as: HOWALT MCDOWELL INSURANCE | 300 CHERAPA PL SUITE #601 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $450 | — | $450 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $1K | — | $1K | 8.71% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $1K | — | $1K | 6.29% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $342 | — | $342 | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | AMERITAS LIFE INSURANCE CORP | $896 | — | $896 | 5.51% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | AMERITAS LIFE INSURANCE CORP | $729 | — | $729 | 4.48% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 16.97% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 787168716 | LEADERS LIFE INSURANCE COMPANY | $621 | — | $621 | 6.98% |
| BROKER CENTRIC ALLIANCE3 Filed as: BROKER CENTRIC ALLIANCE, INC. | 1350 S. BOULDER AVE. SUITE 900 TULSA, OK 74119 | LEADERS LIFE INSURANCE COMPANY | $158 | — | $158 | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $359 | — | $359 | 5.56% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $287 | — | $287 | 4.44% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $135 | — | $135 | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $831 | — | $831 | 15.17% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $618 | — | $618 | 11.28% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $348 | — | $348 | 6.35% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $396 | — | $396 | 15.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6300 S OLD VILLAGE PL 200,SUITE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $355 | — | $355 | 13.86% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $189 | — | $189 | 7.38% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLANS, INC | 349 | $1.2M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 259 | $104K |
| Vision | AMERITAS LIFE INSURANCE CORP | 209 | $16K |
| Life insurance(2 contracts) | LEADERS LIFE INSURANCE COMPANY | 324 | $24K |
| Short-term disability | LEADERS LIFE INSURANCE COMPANY | 24 | $9K |
| Prescription drug | AVERA HEALTH PLANS, INC | 349 | $1.2M |
| Other(2 contracts) | HUMANA INSURANCE COMPANY | 33 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.